The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$1,952
−HK$122/mo
▼ 0.25% · 3.875%
HK$2,012
−HK$62/mo
Today · 4.125%
HK$2,074
baseline
▲ 0.50% · 4.625%
HK$2,200
+HK$126/mo
Deposit HK$428K · loan HK$428K · min. income ≈ HK$4,148/mo (50% DSR)
Upfront cash ≈ HK$428K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,171
−HK$118/mo
▼ 0.25% · 3.875%
HK$2,229
−HK$60/mo
Today · 4.125%
HK$2,289
baseline
▲ 0.50% · 4.625%
HK$2,409
+HK$120/mo
Deposit HK$428K · loan HK$428K · min. income ≈ HK$4,578/mo (50% DSR)
Upfront cash ≈ HK$428K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,342
−HK$147/mo
▼ 0.25% · 3.875%
HK$2,415
−HK$74/mo
Today · 4.125%
HK$2,489
baseline
▲ 0.50% · 4.625%
HK$2,640
+HK$151/mo
Deposit HK$342K · loan HK$514K · min. income ≈ HK$4,978/mo (50% DSR)
Upfront cash ≈ HK$342K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,605
−HK$141/mo
▼ 0.25% · 3.875%
HK$2,675
−HK$71/mo
Today · 4.125%
HK$2,746
baseline
▲ 0.50% · 4.625%
HK$2,891
+HK$145/mo
Deposit HK$342K · loan HK$514K · min. income ≈ HK$5,492/mo (50% DSR)
Upfront cash ≈ HK$342K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,732
−HK$172/mo
▼ 0.25% · 3.875%
HK$2,817
−HK$87/mo
Today · 4.125%
HK$2,904
baseline
▲ 0.50% · 4.625%
HK$3,080
+HK$176/mo
Deposit HK$257K · loan HK$599K · min. income ≈ HK$5,808/mo (50% DSR)
Upfront cash ≈ HK$257K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,040
−HK$164/mo
▼ 0.25% · 3.875%
HK$3,121
−HK$83/mo
Today · 4.125%
HK$3,204
baseline
▲ 0.50% · 4.625%
HK$3,373
+HK$169/mo
Deposit HK$257K · loan HK$599K · min. income ≈ HK$6,408/mo (50% DSR)
Upfront cash ≈ HK$257K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,513
−HK$220/mo
▼ 0.25% · 3.875%
HK$3,622
−HK$111/mo
Today · 4.125%
HK$3,733
baseline
▲ 0.50% · 4.625%
HK$3,961
+HK$228/mo
Deposit HK$86K · loan HK$770K · min. income ≈ HK$7,466/mo (50% DSR)
Upfront cash ≈ HK$86K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,908
−HK$211/mo
▼ 0.25% · 3.875%
HK$4,013
−HK$106/mo
Today · 4.125%
HK$4,119
baseline
▲ 0.50% · 4.625%
HK$4,337
+HK$218/mo
Deposit HK$86K · loan HK$770K · min. income ≈ HK$8,238/mo (50% DSR)
Upfront cash ≈ HK$86K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).